ZIP Code 48640
standardSource:
Midland · Midland County · Michigan
- Population
- 32,690
- Median income
- $80,574
- Median home value
- $200,700
- Bachelor's or higher
- 39.4%
- Land area
- 261.5 sq mi
125/sq mi
▲ 6% vs US
higher than 63% of US ZIPs
▼ 28% vs US
higher than 44% of US ZIPs
Median age 40.2
Detroit
ZIP code 48640 in Midland, Michigan has a population of 32,690. The median household income is $80,574, which is 6% above the national average. Median home value is $200,700, 28% below the US average. 39.4% of residents hold a bachelor's degree or higher.
ZIP code 48640 is classified by USPS as a standard delivery area and covers roughly 261.5 square miles in Midland, Midland County, Michigan. The area is home to 32,690 residents, producing a population density of 125 people per square mile, and falls within the Detroit time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 48640 against Michigan and the nation.
On the economic side, the median household income for ZIP 48640 sits at $80,574 (10% above the Michigan average), while per-capita income is $44,720. The poverty rate stands at 12.2% and the unemployment rate at 5.1%. On housing, the median home value is $200,700 (9% below the state average) with median rent at $954 per month, and 75.0% of occupied units are owner-occupied, a direct signal of whether 48640 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 39.4% of adults hold a bachelor's degree or higher, the median age is 40.2, and the average commute is 24 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Midland County, so you can benchmark 48640 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 48640
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 48640.
- Health care and social assistance
Health care and social assistance
246 establishments
- Retail trade
Retail trade
135 establishments
- Other services (except public administration)
Other services (except public administration)
110 establishments
- Accommodation and food services 92
Accommodation and food services
92 establishments
- Professional, scientific, and technical services 80
Professional, scientific, and technical services
80 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 48640, Midland, MI · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
32,690
Population
261.5
Area (sq mi)
125
People / sq mi
Detroit
Time Zone
standard
ZIP Type
Who lives in ZIP 48640?
40.2
Median Age
48.8%
Male
51.2%
Female
3.1%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$80,574
Median Household Income
+10% vs state
$44,720
Per Capita Income
12.2%
Poverty Rate
5.1%
Unemployment Rate
23.8 min
Mean Commute Time
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
14,469
Total Housing Units
13,722
Occupied Units
747
Vacant Units
2.33
Avg Household Size
Occupancy Type
$200,700
Median Home Value
-9% vs state
$954
Median Rent
1973
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+7.2%
YoY Change (2024)
184
HPI Index (2000 = 100)
+84%
Total Change Since 2000
Home values in ZIP 48640 have increased 7.2% over the past year (2024). Since 2000, this ZIP has seen +84% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.4% | 122 |
| 2021 | +10.6% | 135 |
| 2022 | +20.3% | 163 |
| 2023 | +5.4% | 171 |
| 2024 | +7.2% | 184 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 981 business establishments in ZIP 48640, employing approximately 18,756 people with a combined annual payroll of $1,384,610,000.
981
Businesses
18,756
Employees
$1.4B
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 246 | 25.1% |
| Retail trade | 135 | 13.8% |
| Other services (except public administration) | 110 | 11.2% |
| Accommodation and food services | 92 | 9.4% |
| Professional, scientific, and technical services | 80 | 8.2% |
| Finance and insurance | 73 | 7.4% |
| Construction | 64 | 6.5% |
| Administrative and support and waste management and remediation services | 50 | 5.1% |
| Real estate and rental and leasing | 31 | 3.2% |
| Manufacturing | 24 | 2.5% |
| Wholesale trade | 17 | 1.7% |
| Arts, entertainment, and recreation | 16 | 1.6% |
| Information | 14 | 1.4% |
| Transportation and warehousing | 10 | 1.0% |
| Educational services | 8 | 0.8% |
| Management of companies and enterprises | 4 | 0.4% |
| Industries not classified | 4 | 0.4% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 48640 vs 48667 →
More ZIP Codes in Midland County
Related Areas
Frequently Asked Questions
What county is ZIP code 48640 in? ▼
What is the population of ZIP code 48640? ▼
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What is the demographic makeup of ZIP 48640? ▼
How many businesses are in ZIP code 48640? ▼
What are the main industries in ZIP code 48640? ▼
How have home values changed in ZIP code 48640? ▼
What is the education level in ZIP code 48640? ▼
What is the average commute time in ZIP 48640? ▼
What percentage of residents own vs. rent in ZIP 48640? ▼
What is the poverty rate in ZIP code 48640? ▼
ZIP Code Research Guides
Official Data Resources for Midland, MI
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.